LIC Housing Finance

LIC Housing Finance

570.15
-3.85
(-0.67%)
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Key Fundamentals
Add Ratio
Market Cap
31,573.60 Cr
EPS
98.95
PE Ratio
5.68
Dividend Yield
1.76 %
52 Week High
648.90
52 Week Low
483.70
PB Ratio
0.81
Debt to Equity
7.72
Analyst Rating and Forecast
- By Refinitiv from27 analysts
BUY
Analysts have suggested that investors can buy this stock
Buy
Buy+48.15 %
+48.15 %
Hold
Hold+33.33 %
+33.33 %
Sell
Sell+18.52 %
+18.52 %
Forecast For
Actual

Company News

View All News
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neutral
LIC Housing Finance reported quarterly results with total revenue from operations at Rs. 7,163 crores, up 3% year-on-year. Outstanding loan portfolio stood at Rs. 3,11,816 crores, reflecting 6% growth, with individual housing loans comprising 85% of the total portfolio. Net interest income was Rs. 2,038 crores with net interest margins at 2.62%. Profit after tax grew 2% to Rs. 1,353.87 crores. The company faced significant balance transfer outflows of Rs. 4,014 crores during the quarter, double the normal run rate of Rs. 2,000 crores, impacting growth. Stage-3 exposure improved to 2.51% from 3.06% in the previous year, with provision coverage ratio increasing to 53%. Cost of funds declined to 7.42% from 7.73% year-on-year. Management reduced rewriting rates to lending rate plus 50 basis points to combat balance transfer pressures. The company is exploring co-lending arrangements and direct assignment to boost growth, while maintaining focus on margin protection over aggressive expansion.
neutral
LIC Housing Finance is targeting double-digit loan book growth for FY26, backed by expected retail disbursement improvements in Q3 and Q4. The company reported 6% AUM growth in Q2, falling short of its internal 8% expectation. MD and CEO Tribhuwan Adhikari attributed the slower growth to weak construction finance performance and balance transfer outflows caused by aggressive bank rate cuts. While banks quickly repriced loans following repo rate reductions, LIC Housing Finance's prime lending rate is not repo-linked, requiring board decisions for adjustments. The company cut lending rates by 25 basis points in April, but this wasn't sufficient to prevent outflows that reduced expected loan growth by 1.5%. Shares closed at Rs 572, down 3.61%.
positive
LIC Housing Finance projects its loan book will expand to ₹3.5 lakh crore by FY27, driven by 6% annual growth in individual home loans. The company expects improving asset quality with gross non-performing assets at 2.5% and maintains strong capital adequacy at 23%. Despite net interest margin narrowing to 2.6%, the company anticipates profit and margin stability supported by its robust capital position.
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Competitors
LTP
Market Cap (₹ Cr.)
P/E Ratio
Revenue (₹ Cr.)
YoY Revenue Growth %
Net Profit (₹ Cr.)
YoY Profit Growth %
RSI
109.38
#1 91,272.40
40.20
9,576.00
25.71
2,163
17.85
43.96
570.15
#2 31,573.60
#1 5.68
#1 28,110.70
#9 3.05
#1 5,443
#10 1.63
46.66
908.55
24,270.30
11.01
7,691.60
8.99
1,936
23.82
55.34
499.45
22,053.10
22.77
3,108.90
20.17
912
18.59
39.46
185.30
15,425.70
12.11
8,683.30
0.68
-1,808
#1 111.17
68.37
294.85
14,741.30
17.51
1,798.40
27.62
751
24.51
36.21
1,603.90
12,992.80
25.88
2,020.70
25.46
491
14.85
41.82
1,136.00
12,384.80
25.99
1,539.20
33.09
382
43.06
36.68
877.60
11,472.60
12.68
3,879.60
10.07
857
18.87
71.06
845.95
9,595.30
20.76
1,175.90
#1 36.51
378
35.41
35.85
Growth Rate
Revenue Growth
3.05 %
Net Income Growth
14.26 %
Cash Flow Change
-132.25 %
ROE
-1.06 %
ROCE
1.05 %
EBITDA Margin (Avg.)
4.87 %

Quarterly Financial Results

Quarterly Financials
Jun 2018
Sept 2018
Dec 2018
Mar 2019
Jun 2019
Sept 2019
Dec 2019
Mar 2020
Jun 2020
Sept 2020
Dec 2020
Mar 2021
Jun 2021
Sept 2021
Dec 2021
Mar 2022
Jun 2022
Sept 2022
Dec 2022
Mar 2023
Jun 2023
Sept 2023
Dec 2023
Mar 2024
Jun 2024
Sept 2024
Dec 2024
Mar 2025
Jun 2025
Sept 2025
Revenue
4,069
4,205
4,466
4,668
4,817
4,981
5,006
4,904
4,986
4,988
4,927
4,980
4,867
4,723
5,079
5,337
5,303
5,101
5,896
6,431
6,759
6,766
6,804
6,949
6,799
6,940
7,071
7,306
7,250
7,180
Expenses
249
327
261
276
359
414
528
292
187
264
348
1,213
1,111
892
552
456
504
811
1,069
582
602
670
686
800
392
372
297
549
475
450
EBITDA
3,821
3,878
4,204
4,392
4,457
4,567
4,478
4,612
4,799
4,724
4,578
3,767
3,756
3,831
4,527
4,880
4,798
4,290
4,827
5,850
6,157
6,096
6,119
6,149
6,407
6,568
6,774
6,757
6,776
6,729
Operating Profit %
94 %
92 %
94 %
94 %
93 %
92 %
89 %
94 %
96 %
95 %
93 %
76 %
77 %
81 %
89 %
91 %
90 %
84 %
82 %
91 %
91 %
90 %
90 %
88 %
94 %
95 %
96 %
92 %
93 %
94 %
Depreciation
3
3
3
3
11
13
13
15
13
13
14
13
13
14
14
15
16
16
17
19
19
13
18
18
23
24
25
26
25
32
Interest
3,025
3,138
3,330
3,398
3,602
3,702
3,714
3,764
3,764
3,700
3,594
3,392
3,549
3,505
3,546
3,551
3,639
3,886
4,232
4,378
4,493
4,600
4,646
4,649
4,749
4,879
4,950
4,950
5,046
4,994
Profit Before Tax
793
737
872
991
845
853
751
833
1,022
1,011
970
363
194
312
968
1,314
1,143
388
577
1,453
1,645
1,483
1,454
1,482
1,636
1,665
1,798
1,780
1,705
1,703
Tax
225
174
265
294
236
85
149
409
198
217
249
-44
42
62
196
200
217
75
115
262
326
291
285
400
329
337
363
406
341
354
Net Profit
567
563
606
697
609
768
602
424
824
794
721
406
152
250
771
1,114
926
313
462
1,191
1,319
1,192
1,169
1,082
1,306
1,328
1,435
1,374
1,364
1,349
EPS in ₹
11.28
11.16
12.03
13.81
12.02
15.22
11.93
8.41
16.33
15.65
14.29
8.05
2.99
4.54
15.28
21.01
16.85
5.66
8.40
21.65
23.98
21.67
21.21
19.67
23.75
24.14
26.09
24.97
24.80
24.53

Balance Sheet

Balance Sheet
2015
2016
2017
2018
2019
2020
2021
2022
2023
2024
2025
Total Assets
1,12,630
1,30,587
1,50,997
1,71,228
2,00,707
2,16,920
2,35,722
2,54,687
2,78,559
2,91,293
3,14,040
Fixed Assets
90
102
102
130
168
294
282
315
389
389
377
Current Assets
10,365
12,428
14,671
2,504
3,367
2,637
1,780
1,482
1,448
2,396
2,333
Capital Work in Progress
0
0
5
3
2
3
6
4
1
0
52
Investments
13
17
18
2,008
3,617
5,485
4,644
6,279
7,050
6,337
7,201
Other Assets
1,12,527
1,30,468
1,50,871
1,69,088
1,96,920
2,11,138
2,30,790
2,48,088
2,71,120
2,84,567
3,06,411
Total Liabilities
1,12,630
1,30,587
1,50,997
1,71,228
2,00,707
2,16,920
2,35,722
2,54,687
2,78,559
2,91,293
3,14,040
Current Liabilities
22,533
28,221
32,996
18,257
29,651
30,989
34,422
33,440
40,928
35,263
40,300
Non Current Liabilities
82,216
93,150
1,06,844
1,38,658
1,54,723
1,67,664
1,80,695
1,96,493
2,10,443
2,24,551
2,37,385
Total Equity
7,882
9,216
11,158
14,313
16,333
18,267
20,604
24,754
27,188
31,480
36,356
Reserve & Surplus
7,779
9,114
11,055
14,210
16,230
18,164
20,500
24,641
27,075
31,367
36,242
Share Capital
101
101
101
101
101
101
101
110
110
110
110

Cash Flow

Cash Flow
2015
2016
2017
2018
2019
2020
2021
2022
2023
2024
2025
Net Cash Flow
-171
1,001
521
465
888
-1,434
-37
-508
-183
781
-134
Investing Activities
-58
-58
-278
1,368
-1,642
-1,851
858
-1,629
-800
587
-939
Operating Activities
-14,345
-13,039
-14,273
-18,977
-21,539
-14,738
-17,140
-16,729
-19,632
-7,151
-16,609
Financing Activities
14,232
14,098
15,072
18,074
24,068
15,156
16,245
17,850
20,249
7,346
17,414

Share Holding

% Holding
Mar 2021
Jun 2021
Sept 2021
Dec 2021
Mar 2022
Jun 2022
Sept 2022
Dec 2022
Mar 2023
Jun 2023
Sept 2023
Dec 2023
Mar 2024
Jun 2024
Sept 2024
Dec 2024
Mar 2025
Jun 2025
Sept 2025
Promoter
40.31 %
40.31 %
45.24 %
45.24 %
45.24 %
45.24 %
45.24 %
45.24 %
45.24 %
45.24 %
45.24 %
45.24 %
45.24 %
45.24 %
45.24 %
45.24 %
45.24 %
45.24 %
45.24 %
FIIs
0.00 %
0.00 %
0.00 %
0.00 %
0.00 %
0.00 %
0.00 %
0.00 %
0.00 %
0.00 %
0.00 %
0.00 %
22.59 %
23.19 %
21.95 %
21.23 %
21.55 %
20.26 %
20.17 %
DIIs
16.56 %
15.25 %
14.80 %
14.74 %
16.16 %
19.09 %
20.61 %
22.74 %
24.18 %
24.83 %
21.36 %
21.66 %
21.99 %
21.22 %
20.52 %
21.45 %
21.34 %
22.20 %
22.14 %
Government
0.00 %
0.00 %
0.00 %
0.00 %
0.00 %
0.00 %
0.00 %
0.00 %
0.00 %
0.00 %
0.00 %
0.00 %
0.00 %
0.00 %
0.00 %
0.00 %
0.00 %
0.00 %
0.00 %
Public / Retail
10.06 %
10.54 %
11.10 %
12.01 %
12.64 %
12.37 %
10.30 %
10.29 %
10.60 %
10.19 %
9.64 %
8.78 %
8.13 %
8.29 %
9.93 %
9.77 %
9.60 %
9.94 %
9.86 %
Others
33.07 %
33.90 %
28.86 %
28.01 %
25.96 %
23.30 %
23.85 %
21.73 %
19.98 %
19.74 %
23.76 %
24.32 %
2.05 %
2.06 %
2.36 %
2.31 %
2.27 %
2.36 %
2.59 %
No of Share Holders
0
2,96,570
3,23,148
3,84,414
4,16,146
4,52,133
4,42,359
3,77,701
3,62,974
3,49,173
3,24,814
3,05,862
2,97,899
3,03,961
3,61,857
3,66,899
3,64,182
3,64,388
3,58,982

Dividend History

Annual Cash Flows 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025
Dividend Per Share (₹) 0.00 6.2 6.8 7.6 8 8.5 8.5 8.5 9 10
Dividend Yield (%) 0.00 1.16 1.28 3.23 1.87 2.37 2.64 1.39 1.6 1.74

Corporate Action

Record Date Corporate Action Information Announcement Day LTP at Annoucement LTP at Record Day
19 Sept 2021 DIVIDEND Dividend
₹ 8.50 /share
16 Sept 2021 524.25 418.10
20 Sept 2022 DIVIDEND Dividend
₹ 8.50 /share
19 Sept 2022 355.45 413.50
18 Aug 2023 DIVIDEND Dividend
₹ 8.50 /share
18 Aug 2023 381.85 424.40
28 Aug 2023 ANNUAL GENERAL MEETING Annual General Meeting
NA
28 Aug 2023 394.35 417.30
23 Aug 2024 DIVIDEND Dividend
₹ 9.00 /share
23 Aug 2024 633.35 682.20
30 Aug 2024 ANNUAL GENERAL MEETING Annual General Meeting
NA
30 Aug 2024 806.55 675.85
28 Oct 2024 QUARTERLY RESULT ANNOUNCEMENT Quarterly Result Announcement
NA
28 Oct 2024 617.75 598.20
31 Jan 2025 QUARTERLY RESULT ANNOUNCEMENT Quarterly Result Announcement
NA
31 Jan 2025 562.75 584.55
15 May 2025 QUARTERLY RESULT ANNOUNCEMENT Quarterly Result Announcement
NA
15 May 2025 608.55 616.80
01 Aug 2025 QUARTERLY RESULT ANNOUNCEMENT Quarterly Result Announcement
NA
01 Aug 2025 620.30 585.60
22 Aug 2025 DIVIDEND Dividend
₹ 10.00 /share
22 Aug 2025 616.80 578.00
29 Aug 2025 ANNUAL GENERAL MEETING Annual General Meeting
NA
29 Aug 2025 585.60 547.35
29 Oct 2025 QUARTERLY RESULT ANNOUNCEMENT Quarterly Result Announcement
NA
29 Oct 2025 569.20 585.30

Announcements

Announcement under Regulation 30 (LODR)-Earnings Call Transcript2 days ago
Announcement under Regulation 30 (LODR)-Analyst / Investor Meet - Outcome7 days ago
Announcement under Regulation 30 (LODR)-Press Release / Media Release8 days ago
Announcement under Regulation 30 (LODR)-Investor Presentation8 days ago
Board Meeting Outcome for Unaudited Financial Results For The Second Quarter And Half Year Ended On September 30 20258 days ago
Unaudited Standalone And Consolidated Financial Result Second Quarter And Half Year Ended September 30 20258 days ago
Announcement under Regulation 30 (LODR)-Analyst / Investor Meet - IntimationOct 24, 2025
Board Meeting Intimation for Un-Audited Financial Results For The Second Quarter And Half Year Ended 30Th September 2025.Oct 17, 2025
Announcement under Regulation 30 (LODR)-Change in DirectorateOct 16, 2025
Compliances-Certificate under Reg. 74 (5) of SEBI (DP) Regulations 2018Oct 09, 2025
Closure of Trading WindowSep 26, 2025
Shareholder Meeting / Postal Ballot-Outcome of AGMSep 03, 2025
Shareholder Meeting / Postal Ballot-Scrutinizers ReportAug 29, 2025
Appointment Of Secretarial AuditorsAug 29, 2025
Announcement under Regulation 30 (LODR)-Appointment of Statutory Auditor/sAug 29, 2025
Shareholder Meeting / Postal Ballot-Outcome of AGMAug 29, 2025
Announcement under Regulation 30 (LODR)-Change in ManagementAug 18, 2025
Announcement under Regulation 30 (LODR)-Analyst / Investor Meet - OutcomeAug 06, 2025
Business Responsibility and Sustainability Reporting (BRSR)Aug 05, 2025
Reg. 34 (1) Annual Report.Aug 05, 2025
36Th Annual General Meeting Of LICHFL Is Schedule To Be Held On August 29 2025Aug 05, 2025
Announcement under Regulation 30 (LODR)-Analyst / Investor Meet - OutcomeAug 04, 2025
Announcement under Regulation 30 (LODR)-Investor PresentationAug 01, 2025
Announcement under Regulation 30 (LODR)-Press Release / Media ReleaseAug 01, 2025
Record Date For The Purpose Of Ascertaining The Eligibility Of Members For Payment Of Final Dividend For F.Y. 2024-25.Aug 01, 2025
Announcement under Regulation 30 (LODR)-Change in Registered Office AddressAug 01, 2025
Board Meeting Outcome for Outcome Of Board Meeting Dated August 1 2025Aug 01, 2025
Unaudited Financial Result For Quarter Ended June 30 2025Aug 01, 2025
Announcement under Regulation 30 (LODR)-Analyst / Investor Meet - IntimationJul 29, 2025
Announcement under Regulation 30 (LODR)-Analyst / Investor Meet - IntimationJul 29, 2025
Announcement under Regulation 30 (LODR)-Newspaper PublicationJul 25, 2025
Board Meeting Intimation for 1)To Consider And Approve The Un-Audited Financial Results For The 1St Quarter Ended 30Th June 2025 2)To Fix Date Of 36Th Annual General Meeting Along With The Record Date For The The Dividend Payment If Any.Jul 23, 2025
De-Registration As Aggregator Under NPS-Lite Swavalamban SchemeJul 18, 2025
Compliances-Certificate under Reg. 74 (5) of SEBI (DP) Regulations 2018Jul 10, 2025
Disclosure Under Regulation 30 Of SEBI(LODR) -Intimation Of Regulatory RecognitionJul 09, 2025
Announcement under Regulation 30 (LODR)-CessationJun 29, 2025
Closure of Trading WindowJun 26, 2025
Announcement under Regulation 30 (LODR)-Change in ManagementJun 13, 2025
Announcement under Regulation 30 (LODR)-CessationJun 07, 2025
Announcement under Regulation 30 (LODR)-Change in ManagementJun 02, 2025
Announcement under Regulation 30 (LODR)-Change in ManagementJun 02, 2025
Regulation 30 Of SEBI (LODR) Regulations 2015-Intimation Of Opening Of New Regional Office (East Coast Region) At Bhubaneswar OdishaJun 02, 2025
Announcement under Regulation 30 (LODR)-Change in DirectorateJun 02, 2025
Announcement under Regulation 30 (LODR)-Change in DirectorateJun 02, 2025
Announcement under Regulation 30 (LODR)-CessationMay 30, 2025
Announcement under Regulation 30 (LODR)-Change in ManagementMay 30, 2025
Compliances-Reg.24(A)-Annual Secretarial ComplianceMay 27, 2025
Announcement under Regulation 30 (LODR)-Analyst / Investor Meet - OutcomeMay 20, 2025
Announcement under Regulation 30 (LODR)-Analyst / Investor Meet - OutcomeMay 16, 2025
Announcement under Regulation 30 (LODR)-Press Release / Media ReleaseMay 15, 2025

Mutual Fund Holdings

Funding HouseCurrent Holding %1M Change1M Change %3M Change %Last 6M Trend
ICICI Prudential Value Direct-Growth
0.00%
-8416087
-0.86%
-0.87%
Mirae Asset Large & Midcap Fund Direct-Growth
0.00%
-7034326
-0.97%
-0.95%
Kotak Midcap Fund Direct-Growth
0.00%
-6543125
-0.63%
-0.64%
Mirae Asset Midcap Fund Direct - Growth
0.00%
-4545736
-1.49%
-1.17%
HDFC Large and Mid Cap Fund Direct- Growth
0.00%
-4515018
-0.95%
-0.96%
Mirae Asset ELSS Tax Saver Fund Direct-Growth
0.00%
-3711205
-0.81%
-0.81%
DSP Equity Opportunities Fund Direct Plan-Growth
0.00%
-3521778
-1.25%
-1.27%
Kotak Multicap Fund Direct - Growth
0.00%
-3500000
-0.97%
-1.01%
ICICI Prudential Banking and Financial Services Direct Plan-Growth
0.00%
-3450348
-1.95%
-1.98%
Quant Multi Cap Fund Direct-Growth
0.00%
-2779729
-1.70%
-0.61%
Kotak Arbitrage Fund Direct-Growth
0.00%
-2703000
-0.21%
-0.20%
Nippon India Small Cap Fund Direct- Growth
0.00%
-2678310
-0.23%
-0.23%
Sundaram Mid Cap Fund Direct-Growth
0.00%
-2651690
-1.19%
-1.18%
Invesco India Arbitrage Fund Direct-Growth
0.00%
-2625000
-0.55%
-0.64%
Quant Mid Cap Fund Direct-Growth
0.00%
-2204088
-1.51%
-0.99%
Tata Large & Mid Cap Fund Direct Plan-Growth
0.00%
-2200000
-1.46%
-1.44%
Bandhan Large & Mid Cap Fund Direct-Growth
0.00%
-2186667
-1.14%
-1.11%
ICICI Prudential Equity Arbitrage Direct-Growth
0.00%
-2151000
-0.37%
-0.37%
SBI Arbitrage Opportunities Fund Direct-Growth
0.00%
-1782000
-0.26%
-0.27%
Tata Arbitrage Fund Direct - Growth
0.00%
-1607000
-0.47%
-0.43%
ICICI Prudential Smallcap Fund Direct Plan-Growth
0.00%
-1500000
-1.00%
-0.99%
ICICI Prudential Multicap Fund Direct Plan-Growth
0.00%
-1457572
-0.53%
-1.09%
Bandhan Arbitrage Fund Direct-Growth
0.00%
-1364000
-0.90%
-0.55%
Aditya Birla Sun Life PSU Equity Fund Direct-Growth
0.00%
-1286550
-1.31%
-1.37%
HDFC Arbitrage Fund Wholesale Direct-Growth
0.00%
-1216000
-0.31%
-0.19%

Technical Indicators

RSI(14)
Neutral
49.46
ATR(14)
Less Volatile
9.85
STOCH(9,6)
Neutral
47.04
STOCH RSI(14)
Oversold
13.33
MACD(12,26)
Bearish
-0.18
ADX(14)
Weak Trend
14.47
UO(9)
Bearish
45.79
ROC(12)
Uptrend And Accelerating
0.83
WillR(14)
Neutral
-69.44

About LIC Housing Finance

LIC Housing Finance Ltd (LICHFL) is one of India's largest housing finance companies. It provides long-term finance for residential property purchase or construction, as well as loans for existing properties, business needs, and professional equipment. The company also finances builders and developers for residential construction projects. LICHFL operates through 9 regional offices, 24 back offices, and 282 marketing offices across India, with overseas representative offices in Dubai and Kuwait. It has several subsidiaries including LICHFL Asset Management Company, LICHFL Care Homes Limited, and LICHFL Financial Services Limited. The company offers various loan products such as housing loans, home renovation loans, plot loans, and top-up loans. As of 2023, LICHFL's loan portfolio exceeded Rs 2.75 lakh crore, with individual housing loans representing 83.16% of its retail portfolio.
Chairperson NameDoraiswamy Ramchandran